There’s nothing worse than the spectre of HMRC hanging over your shoulder with a tax bill in their hands. You know you need to pay the tax bill, but you just don’t have the money. Then you need to take action quickly because HMRC won’t go away. Here are some ideas on what to do and what happens if you can’t pay your tax bill.
Unexpected tax bills
The first thing to do is to make sure the amount is correct. There may be ways you can lower your tax bill such as allowances you haven’t claimed for that you are entitled to. Or maybe there were expenses you incurred that you didn’t realise could go against your company earnings. Whatever the case, it is worth getting someone to look over your accounts and see if there is any way to reduce the bill which might make it more manageable.
If you are employed or receive a pension, usually you shouldn’t receive a tax bill because the payment should be taken under the PAYE system or deducted before you receive your payments. If you do receive a tax bill, it may be that they haven’t been collecting enough for what you have earned in which case you will need to get in touch with them to make an arrangement.
When you complete a self-assessment tax return, this will tell you how much tax you owe. But there are also situations where HMRC look into your accounts and decide you owe more than you thought and require you to make this payment.
If you can’t afford the tax bill, it is important to reach out to HMRC as quickly as possible, ideally before the payment is due. That way they may let you use the Time to Pay arrangement. This is where you can spread the monthly payments and get back on track with what you owe. This is often possible if you don’t have the funds available or could easily access them. It is always better to do this before the tax bill is due as they are less likely to let you spread the cost after the bill is due.
They can add interest to the amount if you are late with any payments and will require it to be paid as quickly as possible.
If you were due to send in a tax return but haven’t done so, HMRC can make a determination and then decide how much they think you will owe. This is an estimated amount, but it is legally enforceable until you submit the outstanding tax return. And this needs to be done within 12 months of receiving the determination. If you send your return in and it means the tax due is less, they will reduce the amount you owe.
If you know you can’t pay a tax bill, it is important to get help quickly. HMRC are more liable to help you if you approach before the payment is due. And there are also charities such as TaxAid that can provide help and advice if you still can’t pay your bill. For business, advice see here.
There are many fun pastimes you can get involved in that don’t cost a lot of money, and some can even yield more benefits – such as providing something to eat! The fun in baking cakes, for example, can’t be beaten if you like being in the kitchen. The same can be said of making sweets, fondants and chocolates – and you probably like to make them in interesting shapes.
The way to do this best is to use molds, into which you pour or pack the mix for your cake, fondant or chocolate and then wait for it to harden. If you go back not too many years, you will find that cooks – and chocolatiers and those who produced confectionary – might have used copper molds. You can still find vintage examples and they look great, but we wouldn’t advise using them!
What we are going to talk about today are modern, easy to use and affordable silicone cake molds and silicone fondant molds, which really will make your products far more successful!
Easy To Use
Why are we suggesting you use silicone molds? First, how many times do you go through the motions of making your chocolates – for example – put them in the mold and then, when you come to take them out of the mold, they break or are misshapen? It happens all the time, and it can be very frustrating!
Silicone molds are far easier to use, and you simply peel away the silicone outer with ease, and have the perfect sweet within. It’s the same with cakes, with fondants, and there are even silicone soap molds which are great for making fun-shaped soap, to entice the kids to enjoy having a bath!
If you’re looking for silicone molds we suggest you check out LVDGE.com, a supplier of wholesale silicone molds – and more – for a wide variety of uses, at very impressive prices, and with a reputation for excellent products and service.
Choosing Silicone Molds
The sheer choice of designs is bewildering, and you will find everything from smiling faces to flowers, through stars, birds, butterflies and more – indeed, you can even request a custom mold for your brand or personal design – and they are all made to the same high quality using food-grade silicone and are fully certified as safe for use.
Buying online is simple: you select your choices, put them in your cart, and then when you’re ready you head to the payment portal, where you will find a safe and secure way of paying with many different payment methods.
If you have yet to use silicone molds you will most certainly find them to be the most convenient and easy to use method of forming your chosen items, and they are also great fun for kids to use, too. Why not check out the full range now – you will be amazed at the new products that come on-line all the time – and get yourself some new molds for those fun times in the kitchen!
There are many problems that an occur in the home – and of course in other buildings – that come about naturally. One of these is mold, a perennial problem that, in many cases, is simply overlooked. This is dangerous, as it can lead to the problem rapidly becoming worse, and can be responsible for a wide variety of health problems.
Mold – also known as mildew – is a fungal growth that is caused by airborne spores. It grows most readily where there is moisture, which is where your problems begin. If you have a room that is damp, or a basement or other space that has little ventilation, then you will undoubtedly have mold. And, you need to get rid of it.
One thing you can do to combat mold is to install an air purifier in the problem rooms. We can point in you in the direction of a review that will help you find the best air purifier for your mold problem to begin with. You may also want to look at getting a dehumidifier, or indeed there are devices that serve both purposes, so that you can reduce the humidity in your home. Why do you need to get rid of mold? There are several reasons.
Why Mold is a Hazard
Mold is transmitted by airborne spores; if you suffer from allergies, this – and any pollen nearby – will aggravate the problem. An air purifier will help remove both, and therefore reduce the possibility of an allergic reaction.
Asthma can also be triggered by mold and its spores, and can be a very serious problem for sufferers. Further ailments that are associated with mold include nausea, migraine and even problems with the eyes and neurological systems.
This is because the spores released by mold are highly toxic to us humans, and as we can’t see them, we don’t know they are there. However, we can see – and often smell – mold so it is important that the problem is tackled as quickly as possible, and in the right way.
How Does an Air Purifier Work?
An air purifier will work by drawing in the air in the room, and putting it through a series of filters – the number and type depends on the device you buy, so refer back to the review we mentioned – that are designed to capture microorganisms in the air down to an absolutely miniscule size.
Any good air purifier will include what is known as a HEPA filter as part of its process. This is a type of filter that captures not just mold spores but many other microscopic bacteria and other such that may be in the air in your home, and reduces the possibility of allergy, asthma and the other ailments we mentioned, and many more.
It is always sensible to consult an expert about the right purifier for you – this will depend on factors such as the size of the room and your air quality – so get in touch now, and you’ll soon have a mold-free home and fresh, clean air to breathe.
Good news to those who love lengthy dresses, because maxi clothes are back in fashion now! For the past couple of years, the trending fashion of the past century is becoming much in vogue again. In the 1990’s, Maxi skirts went out of fashion to welcome mini skirts, especially in denim. In the early decades of the 18th century, maxi skirts were very popular among women. From women who used to work all day to women of aristocratic society, all preferred to wear fashionable maxi skirts. Now, it’s back again! From Jennifer Aniston to Gwyneth Paltrow, from Emma Watson to Jessica Alba, all the girls in Hollywood are rocking it! and there are beautiful maxi dresses online for you to choose from. So, read below to know the many ways you can sport maxi skirts and be in fashion!
Denim Maxi Skirts
Denim, let’s be real, is always in fashion! Although, short denim skirts are very popular among school students and teenagers, now girls of every age loves a longer denim skirt. Denim maxi skirts with one side or both sides slit are very popular among the youngsters. Denim skirts with buttons look cute and casual! Denim, as usual, looks really cool with minimalistic top. Try not to wear tops with too much designs or complicated prints. Single colored basic tees tucked into the skirt will surely give you that casual chic look that you want!
Flared Maxi Skirts
Flared Maxi Skirts can never fail you if you want to look classy. But to be honest, not everyone can pull it off. If you want that classy, princess – y look for your special day, be it the prom night at your school, or your office party, be it a wedding ceremony of your friend, you can always count on a Flared Maxi Skirt if you count on it!
Pleated Maxi Skirts
Pleated Maxi Skirts are back again to be on top in the fashion game. Pleated semi-Flared Maxi Skirt gives a very rich look especially if you team it up off shoulder tops and a thin necklace. Pleated maxi shirts are usually made with a kind of glossy fabric which makes you stand out in a crowd. It is a perfect piece of garment to give yourself a classy chic look.
Maxi Skirts with Slits
Maxi skirts with slits on either side, on both sides or in the middle are unbelievably sexy! They look well on a beach as much as they look well in a cocktail party! Body hugging maxi skirts with slits are very much in fashion and you can be as imaginative as you want to be with it!
Maxi skirts usually look good with most body types. Depending on your body type, you should choose the kind of maxi skirt you would want to wear. For curvy women, straight skirts with slits really bring out the curves, whereas, thinner girls may go for flared skirts.
Undergoing a divorce is an unpleasant, stressful and difficult procedure, and one that nobody wants to endure. Unfortunately, marriages do break down – for a wide variety of reasons – and things need to be legalised and official. It’s a sad time for all – and an upsetting one not just for the couple involved, but for children and other associated family also. There is a lot to think about, and it can be a lengthy procedure.
Divorce laws can be complex; you need to agree on so many things – the children, of course, plus property, assets and perhaps even business partnerships. Then there’s the financial side of things, which needs to be sorted carefully and agreed between all parties concerned. All of this means you need to engage the services of a professional, and good divorce lawyers will be able to help you come to all the necessary agreements quickly, effectively and with as little stress as possible, while also getting you the best deal!
What to Look For
If you are in need of a divorce lawyer, you need to ensure you engage one with the relevant experience, and also one who you are certain will work towards an agreement that is satisfactory to you and other parties involved. Here’s a handy checklist of things you should consider when choosing your divorce lawyer:
- Relevant experience: you need your divorce lawyer to be precisely that, a lawyer who specializes in divorce proceedings. This is very important as it is a tricky and confusing area of the law for a layman, and only full understanding will help.
- Proven track record: what has your divorce lawyer handled in the past? Can he or she demonstrate success in the courtroom? Feel free to ask, they will be more than happy to answer.
- Feel comfortable: divorce proceedings can be very personal and uncomfortable. You need to make sure you feel OK talking about things that may be a bit close to the bone with someone you don’t really know, and that they will be discreet.
- Open and sensible rates: make sure they are clear about what you will need to pay, and any extras that may be added for certain reasons.
- Free consultation: any good divorce lawyer – or other – will offer you an initial free consultation at which you can outline your situation and ask any questions you may have about their service.
You may have friends of family members who have recently endured a divorce; ask around as to the success of their chosen divorce lawyer, as you may get recommendations that make the choice somewhat easier.
Think of a divorce lawyer as someone who takes all the difficult parts of the process and knits them together to get the right conclusion. A good one is a highly-killed individual who will be able to treat your case as unique to you, and who will help you reach the right agreement as painlessly as possible, so look around and choose carefully.
If you are serious about running you will know that footwear needs to be chosen carefully. Your running shoes will be put to the test over long distances, so you need not only comfort and fit, but also durability. With so many great brands out there – you might have your preferred manufacturer – it can be a difficult process finding the right shoes, so before we go on to give you our tips, we advise you to click here for a great idea of some of the options.
Long distance running needs a different sort of shoe to short distance, and you might also want to look at the best selection of lightweight running shoes for women if you are only, for example, jogging for exercise. As with many products these days, shopping online can provide you with major savings on high street prices, even when it comes to name brands.
Different Types of Running Shoe
Now, this is where it might become a little complicated. There are, in fact, three distinct types of running shoe, each of which has its own attributes. The different types are designed to provide the runner with the best level of support for the shape of feet they happen to have. Let’s have a look at each type:
- Neutral Running Shoes – these are designed for people with feet that have a high arch; they offer support for high-arched feet with built-in support at the side of the arches, thus making life more comfortable when running.
- Stability Running Shoes – these are for people who walk with mild overpronation; overpronation is the act of the arches rolling inwards or downwards when walking or running, and is very common in mild form. Indeed, with support provided at the arch side of the midsoles, these are suitable for people with normal arches, or medium arched feet.
- Motion Control Running Shoes – if you suffer from severe overpronation it can affect your running, so motion control shoes are what you need. These provide the very best support for people with this problem, and with flat feet, and are strongly recommended if this applies to you.
Lightweight Running Shoes
As mentioned above, if you are not an avid runner – perhaps you simply like to jog a couple of times a week, enjoy a walk or run occasionally, then you might want to look at lightweight running shoes as the best choice.
These are also a great choice for daily wear, if you want something that is affordable and durable as well as comfortable. There are plenty of different options, but please ensure you read the information at the link provided as there is much about the shape of your foot and the type or brand of shoe you will be best with.
Running, whether you are a serious runner or a casual one, is great exercise and can be very rewarding, so have a look now and buy some comfortable running shoes that are right for your feet.
As we head further into 2019, during spring you may have plans to give your home a fresh look and feel. One room, because of how frequently it’s used, that you may want to focus your decorating and makeover on, is the living room. It can seem like a huge task, when you first start thinking about this kind of project. Especially if it’s been a while since you last did any decorating. To help you out and guide you, we’ve put together a selection of great ideas that you can incorporate into your own plans.
A Fresh Coat of Paint
By far, one of the easiest and quickest ways to update a room, like the living room is with a fresh coat of paint. Even just using the same colour that’s currently on the walls can give the walls and the ceiling a renewed life.
Of course, changing colour is often what you’ll have in mind to do. If you’re not keen on repainting the whole room and don’t fancy hiring professionals. Either because of the size or health issues, you could always just repaint a wall or two and make them focal points.
Update the Flooring
What about the flooring in your living room.? Although you may not look at it very often, the type of flooring you have can really set the atmosphere you, your household and guests will experience. For instance, if you’ve always had carpets, it may be a good idea to change to vinyl or even wooden flooring. As well as reducing the number of allergens in your home, it can also give a light and breezier feel. Whereas carpets are great for giving your home that warm and comfortable feel.
Change the Fireplace
Looking around the room, what is your fireplace like? When was any work done on that part of the room? Have you simply had the same fireplace since you bought the property, that’s potentially been there for many decades (if own a particularly old house)? You’d be amazed at home much of a difference redoing your fireplace could have for the whole room.
With many modern designs out there, you can still benefit from having a traditional type of heating element in your living room, with a more contemporary twist. In fact, with some serious thought and planning, giving your fireplace a makeover can completely change the look and feel of the room.
Above the fireplace mantle is an ideal location for a home theater installation to gather the crowds and liven up the living room.
Declutter and Minimise
Another easy way to alter the look and feel of your main family room is by having a serious look at the stuff you have in the room. Whether it’s the furniture itself or the trinkets, ornaments and just anything you have in the room. Think about reducing the amount of clutter and even reducing the number of furnishings you have in the room. Just moving some things around, recycling, selling and handing on items you no longer need, want or use, can give your living room a new lease of life and renewed energy.
If you’ve got investment property that you don’t have enough time to fully manage yourself or are looking to getting more out of it, then it may be time to invest in the services of a section 8 property management company. If you’re still on the fence about it, you need to consider some of the great advantages of using a property management company, as outlined in the post below.
Higher Quality of Tenants
It can be a long, drawn-out and complex process screening tenants. Therefore, if you have a lack of experience and don’t have enough time or patience, you could make bad choices in haste. On the other side of a tenancy agreement, a major problem with tenants is dealing with the bad ones and getting them to leave your property. When you enlist the help of a reputable property management team, however, you get the benefit of their quality screening process that will help them choose tenants for you that:
- Will rent for a long period of time
- Pay their rent on time
- Minimise damage to your property
- Cause less problems.
Any property manager that has worked in the real estate business for a long time, will know what to look for in a tenant applicant.
Property Vacant for Less
Professional property management teams will also be able to ensure that your property is vacant less. They will do this by helping to:
- Prepare your property for renting– They know they right cosmetic and aesthetic improvements that need to be made to get the highest rent possible.
- Calculate the best rent charge– If you set your rent too high, you may wait a lot longer than you expect to find the right tenants. However, if you set it too low, you could lose out on money on a monthly basis.
- Effective marketing of your property– Throughout their time in the industry, property managers will adequate experience will have created a multitude of ads and know the best way to word them and where to advertise so that you can attract as many suitable tenants as possible.
Efficient Rent Collection Process
It goes without saying that the collection of your tenants rent and any late fees that are applicable to their accounts constitute crucial parts of property management. To stay afloat and have consistent cash flow, you need to collect rent at the same time every month and it’s important your tenants follow this and understand it.
When you hire an experienced property management, you have a safe buffer between you and your tenants. This means that the property management team can play bag cop when it comes to collecting rent and fielding the excuses of tenants and carrying out evictions, when necessary.
Less Legal Issues
All it takes is one bad tenant to cause lots of legal and financial trauma. Therefore, hiring a property management firm with experience and expertise ensures that you can protect yourself against legal vulnerabilities and any costly lawsuits.
There’s been a growing trend of parents, even those based in the USA, going out of their way to invest in organic baby formula over using those available at home. Why is that? In the following post we look at some of the main reasons why organic baby formula like those available from Holle and Hipp.
Europeans Do Farming Differently
In Europe, they practice farming known as Biodynamic organic farming. This is kind of like standard organic farming, but juiced-up to the max. Each part of the farm ecosystem is taken into consideration and managed including the soil, the seeds, the plants, the animals and humans. They do not use any chemical-based fertilisers or pesticides with the soil and their crops. They rely on the natural and eco-friendly fertiliser known as manure/poop. Furthermore, animals and plants are not genetically modified in any shape or form and many processing ingredients and practices are illegal.
You may wonder though, how that relates to baby formulas from Europe. As formulas are inspired by cow’s milk, when cows are fed on good quality grass, they produce great grass, which in turn means that great baby formula milk is developed. A good sign that a European baby formula brand is genuine is that it has the Demeter label on it.
Avoidance of Certain Ingredients
In Europe baby formula produces, unlike in the US, are not allowed to use ingredients such as carrageenan, table sugar, fructose, glucose or even corn syrup. Although baby formula needs to be sweet. Breast milk is sweetened naturally, so human bodies are programmed to need a certain amount of sweetness for the metabolic process to work properly. As babies are born with this inclination, they will not drink anything that doesn’t have a good taste.
In Europe, they discovered ways to make formula sweet without relying on the flavourings American companies tend to use. This includes:
- Maltodextrin – Maltodextrin is a complex carbohydrate that quickly moves through your digestive system and is healthy in relatively small doses. Holle formula, for instance, includes this in its ingredients as a sweetener.
- Lactose: Lactose is often referred to as Milk Sugar as it is only found inside milk. This provides a baby with the carbohydrates they need. However, this is one to avoid if there’s any relatives in your family who suffer from intolerances to lactose. Hipp formula includes this a sweetener.
Focus on A Balanced and Healthy Digestive System
A large percentage of formula from the US and other places does not have pro and prebiotics. These are important for a balanced and healthy digestive system, which is especially vital for babies. As they’ve only just used organs only months ago.
Hipp, use these in many of their baby formulas and they help to prevent babies from suffering from diarrhoea or even chronic constipation.
So, if you’re trying to decide which kind of baby formula to give your little one, can you see why it makes sense to look to those available in Europe?
Having a baby is such a momentous and life-changing moment that never seems to last long enough. Babies grow at a much faster rate than many parents realise. With that in mind, it makes sense that you’d want to capture memories by taking lots of pictures, particularly during those important days, weeks and months following the birth. While you may love taking snaps yourself, it can be good to invest in newborn photography.
Depending on your situation though, you’ll have the choice between attending an actual Los Angeles newborn photography studio or having the photographer out to your home. To help you make the decision, we’ve highlighted some of the major benefits of inviting a photographer to your home.
Babies Need to be Fed Regularly, Regardless of What Adults Are Doing
Babies need food at regular intervals. With newborns, their diet consists solely of milk – either from breastfeeding or a bottle. A lot of important paraphernalia is involved, regardless of which way you feed your baby. Rather than have to pack a bag and go to an unfamiliar place and then try to feed your baby there, when you really need to feel comfortable, it would be much better to have your newborn photography session at home, where everything is within close reach.
Most newborn photography shoots tend to take place around 6 to 14 days after the birth, or at the very least, within your baby’s first month. That is quite early into the recovery period that both mother and child (and dad to a lesser extent) need to recovery from the birth and all it entails. If there were any complications that meant surgery was involved in the birth, or the labour lasted longer than expected or it was just stressful in normal ways, it may be beneficial for the mother and baby to relax and do as little as possible in those first few weeks.
That’s why it can be beneficial to have a Los Angeles newborn photographer visit your home, rather than trying to get you all down to the local studio.
Family at Ease
Not everyone likes having their photograph taken. Even more so, many find it hard having their photograph taken if they don’t feel at ease. What better way to ensure that the whole family feels at ease, than if you have the photography session for your newborn baby from the comfort of your own home, where everyone can feel comfortable and at ease. The more relaxed you all feel, the better the images will be.
Scenes and Backdrops that are More Meaningful
Perhaps the biggest benefit of having newborn photography sessions at home is that this is where most of your life and its many events take place. Having photographs taken in a random studio may produce the most technically proficient photographs. However, having familiar settings, such as the family living, room, your newborn’s bedroom, your master bedroom and even your garden as the backdrop can help give the images a stronger and deeper meaning.